Your Car Insurance Plan

The amount of cars on the road increases each year. This could lead to an increased likelihood of a collision for you and your family. Automobile insurance can be the difference between a small setback and a large trial. How can you determine what insurance you need and how you can buy it? Required coverage varies based on the state/province but usually includes the following: Liability: Bodily injury and property damage that you are responsible for will be covered under this type of insurance. It also covers your defense and court costs if you are sued. Local laws usually require standard amounts of liability insurance, but higher amounts are available and extremely helpful. Personal Injury Protection: This type of insurance pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the crash. It is mandated in some states and optional in others. Local government usually sets minimum amounts. Medical Payments: Medical payment coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for all insured person's reasonable medical or funeral expenses resulting from an accident. Collision: Damages that occur from a collision will be covered under this kind of insurance. Comprehensive: Applies if your car is stolen or damaged by something other than an accident, including fire, wind, hail, flood or vandalism. Uninsured Motorist: If you are hit by a driver without insurance, this type of insurance coverage will make sure you are covered. Under-Insured Motorist: Pays for damages when an insured person is in a crash caused by another person who does not have enough liability insurance to pay for the full cost of the damages. Other policies, such as car rental, are also available. What you pay for car insurance varies based on the company and will depend on several factors, including: * Which policies you choose * The make and model of the car you own * Your driving record * Your age, sex and marital status * The place where you live Some people have consider car insurance as a necessary evil, but it can truly rescue you from a financial disaster. Review your needs, do your research , and with the help of your insurance agency, choose the option that fits you best. State Farm Agent Clermont

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